Home Insurance in Kusilvak Census Area, Alaska
With a median home value of $84,300, Kusilvak Census Area is 76% lower than the Alaska median.
The typical home in Kusilvak Census Area was built around 1989. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 6 points below Alaska's 8%.
The housing stock in Kusilvak Census Area is 91% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Kusilvak Census Area, about 12% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Kusilvak Census Area are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Kusilvak Census Area are primarily heated with fuel oil.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Very Low) and earthquake (Very Low) as the leading hazards for Kusilvak Census Area. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kusilvak Census Area has 5 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $84,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alakanuk
- Chevak
- Emmonak
- Hooper Bay
- Kotlik
- Mountain Village
- Nunam Iqua
- Pilot Station
- Russian Mission
- St. Mary's
Smaller communities
-
Marshall
- Median home value: $24,800
- Median year built: 1995
- Owner-occupied share: 85%
-
Scammon Bay
- Median year built: 1984
- Owner-occupied share: 58%
- Share of owner-occupied homes with a mortgage: 11%
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)